Home Mortgage For Physician Chula Vista California

Preferred Physician Loan Officer

Carmen Mayell
NMLS# 779831
Mobile: (949) 257-2502
Email: carmen.mayell@flagstar.com
LinkedIn: www.linkedin.com/in/ccmayell
Instagram: #bocabanker

  • Providing specialized home loans for Medical and Dental Professionals and Specialists.
  • Loan amounts to $1.5MM / Little to no down payment options / No mortgage insurance
  • Able to serve clients in All 50 States! Questions answered without obligation.
Get Your Physician Loan Rates Now by Completing the Form Below.

Regardless if our clients are a first time home buyer or purchasing a new home in Chula Vista California, our vetted loan officers have a strong understanding of the local real estate market and what it really takes to secure your physician home mortgage with competency and know-how.

Our loan officers in Chula Vista California provide special financing for doctors, exactly like you.

First, let’s talk about why physician mortgage loans even exist. The reason is that doctors are extremely profitable customers for financial institutions. They take out big loans early in their careers and almost always pay them off. Lenders use physician home loans to lock in early career doctors by loaning them more money with a lot fewer stipulations than their competitors.

Physician Loan Experts In Chula Vista California

If you are trying to find a physician mortgage in Chula Vista California then you came to the right place.

You’ve trained very hard to become a doctor and purchasing home should not be nearly as difficult.

Did you know there is a special loan that makes it easy for doctors to buy a home?

A home loan specifically for doctors?

Yup, doctors get their own loan!

A physician home loan is a specialty loan program developed just for doctors in the home buying process.

We understand the financial demands of your student loan debt, and how vital it is to preserve working capital for when the time is right with starting your career. Regardless if you are a couple years into practice, or a well established doctor, you can depend on us to find a mortgage loan that is exclusively tailored for your needs.

A lot of doctors in Chula Vista California may not qualify for conventional loans for various reasons such as minimal savings for a down payment, big student loan debt or very little to no work history.

Despite these reasons smart financial institutions know that doctors are a good choice considering that they traditionally have an exceptionally low default rate on loans, high earning potential and secure jobs.

Not all mortgage lenders offer this specialized product and within banks that do just simply speaking to the right home loan officer makes a significant difference.

Benefits of Physician Home Loans

  • Generally does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires low to no down payment (0-5 percent).
  • Often does not necessitate private mortgage insurance (PMI), even if lower than 20 percent down payment.
  • Will approve a contract as proof of future earnings, in lieu of pay stubs or W-2s, that don’t yet exist.

Buying a house doesn’t have to drain your savings and the process doesn’t need to drain your time.

Should You Put Money Down?

Suppose you have some funds to put down or are looking at delaying until you have the cash?

Our lenders can do the math for you and show you what each situation looks like and the benefits of each too.

In most situations, you’ll get your mortgage paid off earlier and save thousands on interest too.

Additionally, don’t forget that having equity in your home will most likely offer greater security and flexibility, specifically if something unplanned happens. With the 100% financed physician mortgage loan, you should anticipate to start out under water. If something doesn’t work out and you are forced to sell quickly, you need to be prepared to write a potentially sizable check for as much as 10% of the purchase price just to get out of the house.

Whether you’re moving down the street, across town or across the country, we are available to assist you through the physician home mortgage process:: because you deserve it!

Doctors, get the house of your dreams with our Chula Vista California physician home mortgage program!

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